716-748-7966
NY, US
Rebecca S
Rebecca S
2012-02-10 02:52:26
Debt Collector
Report these scam artists to the attorney general. Do not give them any information.
B
B
2012-01-04 20:21:50
Unknown
I returned home from work today to find a voicemail on my answering machine from this "David Figueroa," who stated that he was an investigator and that he was calling in reference to a formal complaint that had been filed against me. He further stated that there were allegations attached to the complaint with affidavit number, and that I had 48hrs to return his phone call or I would be served via the residing county court. Caller ID reads "Upstate Offices" and the number 716-748-7966.
robert
robert
2012-01-03 18:39:41
Unknown
remember this sight has lots of answers planted by the very people that work for these collection companys...so if you want the right information on how to protect your rights go to a question and answer legal forum...first in california if your bad chelk was a payday loan...the lender cannot sue you or collect...(It's state law!)...number two..if it was a payday loan in eney other state...if you made previouse payment's on a loan with the same lender and then walked out on the loan(you cannot be acused of fraud)...you can be acused of fraud only if you walk out on the very first loan...a collection
company will not waste it's time making numerouse call's triying to collect...if they where serouse  they would send you a sumunz....
DEBTCOLLECTORSSTINK
DEBTCOLLECTORSSTINK
2012-01-03 18:28:27
Unknown
David Figueora called and stated I would charged with a fraud stated he was an "investigator" these  people are frauds and lairs. No company name is given which is illegal under the Federal trade Commission FILE A COMPLAINT with the FTC and your local Attorney Generals Office we will shut them DOWN.
kdk741
kdk741
2011-10-20 14:05:05
Unknown
Received a message for Alicia Clark, stating fraud had occurred and I would be served to appear in court. Iasked what office he was with upon calling his number. A man identifying himself as David Figueroastated his was with "the Legal Offices". I asked if he was a debt collector, but he clearly stated he was not. I do not know what type of scheme this may have been, but it seemed odd for any bad check / fraud  office in New York to be calling Oklahoma.
oneofthoseguys
oneofthoseguys
2011-10-05 17:09:07
Debt Collector
you call us scumbags and everything else but its you guys that wrote the check and bounced it... sometimes you took a loan out and wrote a check to cover it and never intended it to be good. who is the scumbag there? there are peolpe that make a living in lending institutions and all you are doing is screwing them over. in some states you can go to state prison for 5 years just for bouncing a check over $100... did you know that? I hope some of YOU scumbags get put away for all the crap you cause and then complain about. you are the reason that these companies exist... think about that
Jackpot
Jackpot
2011-09-14 20:31:48
Debt Collector
Received a call from Fraud investigator David Figuero about case #103-72-03. # to contact him was 716-748-7966
SAMANTHA EVANS
SAMANTHA EVANS
2011-08-09 14:58:30
Unknown
apparently you must have the same name as me.... Actually we do have proof of bad checks written. So on that note , who is the scam and scum artist. people like you who hide behind fake names, call my office number from a blocked line 20 times a day. You must be the crazy from Delaware @ the 302 area code that does not take her meds.... Peopke who write on this page are people who will do whatever they need to to NOT pay there bill.. I am here to say if you owe the money. I will work with you to rectify it in a manor best fir for you! We do own the debt, we will help you resolve it... Listen to people like this and it only get bigger and gets you in court eventually!
SAMANTHAEVANS (LOL)
SAMANTHAEVANS (LOL)
2011-08-09 12:08:21
Debt Collector
THESE SCAM/SCUM ARTISTS COME ON HERE AND POST THINGS TO THROW PEOPLE OFF! THEY CALL YOU AND CLAIM THAT YOU OR A FAMILY MEMBER HAVE WRITTEN BAD CHECKS, OWN ON AN UNPAID LOAN OR CREDIT CARD. DO NOT GIVE THEM ANY INFORMATION ABOUT YOURELF! IF THEY WERE LEGIT THEY WOULD HAVE THIS....AND THEY WOULD HAVE AN ACTUAL ADDRESS BUT THEY DON'T BECAUSE THEY ARE RUNNING AN ILLEGAL OPERATION WHERE THEY INTIMIDATE YOU INTO PAYING A DEBT THAT MOST LIKELY YOU DONT OWE.  WHO GETS THE MONEY YOU SEND? THEY DO!
THEY ARE STUPID PEOPLE AS WELL BECAUSE I'VE OUTSMARTED THEM ON NUMEROUS OCCASIONS AND HAVE THE ATTORNEY GENERAL ON THEIR TAILS.  DONT SPEAK WITH THESE MORONS...SIMPLY HANG UP THE PHONE, CALL THE POLICE AND REPORT THE NMBER TO THE ATTORNEY GENERAL.
SCAMCATCHER
SCAMCATCHER
2011-08-09 12:02:15
Debt Collector
These calls are from a fake "law firm"  They have no address and will use intimidation to get you to send them money claiming you OR someone in your family have written bad checks, have an outdtanding pay-day loan etc...  IF you think you do, simpluy deal with your bank or loan companies directly to resolve...no matter what these losers say, DO NOT GIVE THEM ANY PERSONAL INFO and report the call to the police as well as the attorney generals office immediately.
THELAW
THELAW
2011-08-09 11:59:09
Unknown
Please report all calls from these SCUM BAG SCAM ARTIST to the police as well as the attorney general.  They try to intimidate people into sending them money.  If you owe bills, have NSF checks that are outstanding, simply deal with creditors and the people you wrote the check to and your bank directly.
These people are being investigated and will be shut down like all the other fly-by-night shady losers have been!
commonsense
commonsense
2011-08-01 22:07:14
Unknown
There is no such thing as "check fraud investigations unit!" ..,ot even with a law firm...especially a fake one!!  Your bank will notify you of a bad check.  The person you wrote the check to will notify you.  From there, it will be sent to a legit company for collection. You will receive something in writing which will include check number, amount, date written, who you wrote it out to.  No random phone calls are made for things like this.  These people are scammers, liars, losers and scum..;ust ignore the calls and report it to the attorney generals office.
attygeneral/NY
attygeneral/NY
2011-08-01 22:03:20
Unknown
Whenever you receive these SCAM calls have them call the state attorney generals office so they can be teaced and investigated.  Also, complete the downlaoadable conplaint forms as each one received will get the authorirties closer to shutting them down and placing charging against each and every person making the calls.  They are losers and liars and should be treated as such.
lawdog
lawdog
2011-07-26 16:32:37
Unknown
First of all, the call you got was a SCAM! Second of all, I'm fairly certain that the scammers themselves post here to throw people off when they start googling the phone numbers. Matters like this are done in writing, not via phone calls from fake companies that use intimdation tactics to get your money!! Call your back to look into bad checks don't take someones word for it.  Also, educate yourslef on the law and statute of limitations.  These people are scammers...!ottom of the barrel losers with no ethical character to speak of. Ignore the calls and reprt them to the attorney general like so many othere people have.  They are already being investigated..- would know :)
Zahid G
Zahid G
2011-06-06 20:55:33
Unknown
they always call and when we pick up no one is ever there.
mark Stefano
mark Stefano
2011-06-06 20:55:33
Unknown
I recieved a call from this phone # , thought it was a telemarketer or sumthing , so obviously i ignored it ,....2days later i was served to appear in court on some stupid bad checks i wrote like 3 years ago ! wtf i thought u couldnt be sued after 12 months on bad checks ???  please give me any insight u have on bad check laws , i have to go to court on Monday and im not sure if i should get an attorney or not ?
ellen swanson
19 May 2011
Bad Check laws are governed by the state in which you live. Each state has different laws and penalties associated with writing a bad check. Checks bounce, it happens to everyone at some point in time. The thing to remember is how you handle the bad check. If you have been notified that a check bounced and you quickly rectify the situation by paying for the check and any associate fees, you will be okay in the eyes of the law. Purposefully writing bad checks and failing to make them good constitutes fraud and you will be prosecuted by the state.
Micheal Mcelroy
19 May 2011
I hope some of this helps , Bad check nowadays are serious offenses due to everything with fraud and scams gooing on !



BAD CHECK UNIT
(BCU)

Section 97-19-55 of the Mississippi Code, commonly known as the "Mississippi Bad Check Law", authorizes District Attorney's Offices throughout the state to assist victims of bad check writers in recovering restitution.

Our office was one the first in the state to implement this program, even though no funding was allocated by the legislature to fund the program. The Bad Check Unit is self-sustaining and is funded exclusively by service charges recovered from defendants when payment of restitution is made through our office.

We look forward to working with you as we assist you in obtaining the restitution which you are owed as a result of being victimized by those who write bad checks.

Thank you,
The Bad Check Unit



Instructions for Bad Check Complaints

You will need to pick up a Bad Check Complaint Packet from our office. This contains instructions and the forms that you will need.

The check must have been received within the 17th Judicial District which is composed of DeSoto, Tate, Panola, Tallahatchie, and Yalobusha Counites.

All bad checks must be stamped by the bank.

Do not file a complaint if the check is a two-party check.

If the check is stamped "NSF" (insufficient funds), then you must send a Statutory Notice by mail. The check writer must be given fifteen (15) days to make the check good. After fifteen (15) days have passed and you have not received restitution, you may then file a complaint with our BCU. If the letter is returned unclaimed or undeliverable, you may file the complaint immediately. The letter must be sent to the address on the check or the address given by the check writer at the time the check was passed.

If the check is stamped "Account Closed", then you do not need to send a letter.

When you turn in a complaint, you must turn in the original check. You must also fill out a complaint form for each check that is turned in.

Once a bad check complaint is filed with our office, you should not accept any payment toward the check. We do not charge merchants for handling their bad checks, however, if you accept payment on the check after you have turned in to our office, then you will be responsible for withdrawing the check. Mississippi law requires that a business or individual withdrawing a complaint pay a $30 service charge for each check that is withdrawn.



What Happens After We Receive A Bad Check Complaint?

We receive a very high number of checks. Each check is entered in the order that it is received.

A $40 state fee and a $30 victim fee is added on to each check.

We do not immediately issue an arrest warrant for the offender. State law requires that we send a series of letters giving them a chance to pay on the check through our office.



What Happens if They Still Fail to Pay On the Check?

If the check writer does not respond to our efforts to collect on the check, then the case is presented to the Grand Jury for an indictment. If the individual is indicted, a felony warrant is issued for their arrest.

In order for us to present the case to the Grand Jury for indictment and prosecution, we must have the check writer's correct Driver's License Number or Social Security Number.

It may take some time for the warrant to be served depending on how quickly the subject can be located, or the ability of law enforcement to serve the warrant.
mattie mcelroy
22 h 39 min ago
PASSING BAD CHECKS
A compilation of resources on check kiting, NSF issues & fraud

Has your credit history with Chexsystems been ruined because of bounced checks? Whether you are the perpetrator or a victim, the resources on this page can help point you in the right direction.

Passing bad checks is a way that people get what they need now and hope to pay later. Trouble is, their timing is off or they have no intention to pay later and the check bounces. The merchant is left with a bad check. Whether you pass bad checks because you're dishonest or it's a simple accident, stiff penalties can apply. Criminal charges can be brought against you if the DA can prove all criminal elements especially fraud and intent. Merchants lose hundreds of thousands every year in bad checks and the consumer who pays by legitimate means ends up picking up the tab. You cannot however, escape risk free.

There are a number of unpleasant consequences for writing bad checks:

-You could be charged fees

-Your bank or credit union could charge you an overdraft fee, which is typically around $25.00 per check

-The place you wrote the check could also charge you a fee

-The place you wrote the check could refuse to take any more checks from you

-You could receive calls and letters asking you to repay the money

-Your name and account information could be reported to an agency, like SCAN, Telecheck, Equifax Check Solutions, or others where it would be placed on a bad check list

-Then, other places could refuse to take your checks

-Your bank could close your checking account

-You would not be able to write checks

-Your bank could report your closed account to ChexSystems. As a result other banks could refuse to open a checking account for you for some time.

-You can ruin your debit history
Civil & Criminal Penalties
Bad checks, also known as NSF checks, bounced checks, rubber checks, etc., can be a big problem for any credit department. There are both civil and criminal penalties for this unlawful act, although it is much more costly and difficult to prove a criminal case.

-Civil Penalties by State
-Criminal Penalties by State
-ID Theft State Laws
- Forgeries, Forged Endorsement, Alterations,and other Check Problems- Who can Sue?
-UCC codes by State to look up SOL and other "negotiable instrument" laws by state

-Is a check considered a written contract, what is the SOL for checks?
A check is not considered a "contract" although some may argue that it is (because it's a signed promise to "pay"). A contract requires consideration by both parties (an offer and acceptance) and consists of nothing more than an (enforceable) promise to pay by one party but no contract was drawn up by the other party. What it is, is a negotiable instrument and therefore subject to governing UCC (uniform commercial code) if there is one for the state in question. UCC is where you usually find the time limitations on checks. Many states have their own specific (SOL) statute of limitations dealing with checks. Those would trump any general statute of limitations and even the UCC limitations. The UCC is not a federal statute but rather a system set up to structure commercial transactions. Since it isn't a federal rule there would be no supremacy clause (as in who rules state or federal) but rather the state could choose to adopt it or not. Most states have adopted it. According to FindLaw, a more specific statute rules over (trumps) a more general statute. Therefore if a certain state has a more specific statute it will often trump (rule over) the UCC entirely. Bottom line: read the UCC but read the state rule as well and see which one applies--, is more specific or offers more protection. You will usually find the SOL for collecting the check in the state code.

The following two links provide information about checks returned by banks and other financial institutions.

-SCAN
-Telecheck

Check fraud describes a number of activities including:

Check Kiting - this involves opening multiple checking accounts so that checks from one account are written to cover checks from another account. Recent legislation has required banks to make funds available sooner and this has resulted in even more occurrences of check kiting.

Counterfeiting - the ease of desktop processing and the high quality of readily available printing and copying have made counterfeiting a significant factor in check fraud. These methods are used to create or duplicate checks. In addition, counterfeiting can involve chemical alteration to remove some or all of the information on a check so that it can be replaced with other information.

Forgery - two common types of forgery exist. Stolen checks can be endorsed and presented for payment at stores or banks. This often also involves the use of false identification documents. The other common type of forgery involves employees issuing checks without authorization.

Paperhanging - this term describes purposefully writing checks on closed accounts or reordering checks for closed accounts.

Frequently, check fraud starts with the theft of a check. A blank check might be stolen from your home or car. An old or canceled check could be stolen from your garbage. A check you have written to pay a bill could be stolen from the mailbox.

What can I do to prevent check fraud?

Since most check fraud starts with the theft of a check, you should keep your checks as safe as possible.

Always reconcile your bank statements as soon as you receive them.

If you use automated teller machines, do not write your PIN number on your card or anywhere in your wallet or checkbook for a thief to find.

Don't use checks or deposit slips as scratch paper.

Shred old checks and bank statements before you throw them away.

Fill in the payee line and amount line completely on any checks you write. Don't leave blank space that someone can alter.

Don't provide your bank information over the telephone.

Don't place outgoing mail in an unlocked box.

Install a lock on your mailbox. You can cut a slit in the mailbox large enough to slide mail through but not large enough to fit a hand through.

What if I am a victim of check fraud?

If you are a victim of check fraud, it is in your best interest to call these institutions:
mark Stefano
mark Stefano
2011-05-19 13:28:37
Unknown
[This post has been removed]
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